It is said that the guarantee of this product is very satisfactory!
Is there a trap?
Let's find the answer!
Before we begin, you can know about Taikang Life Insurance Company:
Is Taikang Life Insurance Reliable? What about these products? 》
1. How did the adult version of critical illness insurance perform?
There are a lot of protection contents, and senior sister specially presents a protection map for everyone.
Not much to say, just look at the picture:
After reading the safety map, I would like to take this opportunity to tell you a few key points!
1, critical illness protection
The adult version of critical illness insurance has 120 kinds of critical illness protection diseases, including many diseases.
The frequency of payment is 1, and the set payment ratio is 100% of the basic insured amount.
However, the coverage of adult version of Lexiang Health (Shuangyi) critical illness insurance does not provide additional compensation for critical illness, which is only 65,438+000% of the basic insurance amount.
At present, many critical illness insurances on the market provide the insured with additional compensation for critical illness.
For example, Versailles aggravated illness insurance, one of the additional compensation settings of this product is that if the insured is diagnosed with a serious illness for the first time under the age of 60, he can get an additional compensation of 80% of the insured amount. In addition, the Versailles additional critical illness insurance can make the insured get 65,438+000% coverage, and the accumulated compensation is 65,438+080%.
When the insured is under 60 years old, he has to bear heavier family responsibilities, which is the main source of income for a family.
Unfortunately, the adult version of critical illness insurance, which enjoys health (double protection), does not include additional compensation protection for critical illness.
This is a pity.
2. Minor illness protection
Lexiang Health (Shuanghui)' s adult version of critical illness insurance has a lot of payment times for minor illness protection, with a maximum of 6.
Looking at the critical illness insurance products in the whole market, there are very few minor illness insurance products that pay up to 6 times.
However, although the adult version of Le Xiang Health (Double Benefits) Critical Illness Insurance has set up more minor payment times, the payment ratio is not high, only 25% of the insured amount.
The proportion of minor illness compensation for better critical illness insurance products on the market is generally 30% of the insured amount, which seems to be 5% different. If it is really substituted into the insured amount calculation, the gap is already very large. ...
Assuming an investment of 500,000 yuan, after calculation, 25% is 6,543.8+0.25 million, and 30% is 6,543.8+0.5 million, making an extra 25,000.
This 25,000 yuan can be used to hire nurses to take care of it, and you can also buy a lot of nutrients to supplement your body.
Therefore, senior sister wants to tell you that although the adult version of critical illness insurance enjoys a lot of compensation times, the proportion of compensation is relatively general.
Generally speaking, almost no one will be diagnosed with mild illness many times, as long as the number of payments is reasonable, and the proportion of payment is actually more important.
Due to the length of the article, if you want to know more about this product, you can click this article:
Attention, Taikang enjoys the health (double welfare) adult version of critical illness insurance, which must be seen before buying! 》
Second, is it worthwhile to enjoy the health (double benefit) adult version of critical illness insurance?
In a word, critical illness insurance, an adult version of happiness and health (double welfare), has no bright spot.
There is no extra compensation for serious illness, and the proportion of compensation for mild illness is not high.
Senior sister thinks that friends can look at other products on the market, compare them and choose the best one.
The Versailles Plus mentioned by my senior sister is a very good critical illness insurance product.
Speaking of which, senior sister has compiled some details about Versailles PLUS, and interested friends can have a look:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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